New Hampshire Health Insurance Plans and Insurance Companies covering New Hampshire

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Health Insurance for the Well Informed

With the cost of health insurance increasing 10% per year and the number of uninsured reaching approximately 13% of the New Hampshire population according to www.statehealthfacts.org, it is essential for you to find the best fitting and most affordable health insurance plan.

In New Hampshire, your health insurance options are somewhat dependent on your health status. Medical underwriting, allowed in New Hampshire, is the process a health insurance company goes through to assess the health status of individuals and use such information to determine if the insurance company wants to accept an application. Regarding pre-existing conditions, New Hampshire health insurance companies can review your medical history for the last three months before coverage begins. If a pre-existing condition does exist, the health insurance coverage can be excluded for up to nine months.

New Hampshire offers a high risk pool called the New Hampshire Health Plan. You may be eligible for this pool through your HIPAA rights. You may also be eligible if you are a New Hampshire resident and you have been denied health insurance coverage by a company, have been offered coverage at a rate higher than that of the pool, have been offered coverage with exclusions, have a medical condition that is listed on the application, are a dependent of someone already in the pool, or are eligible for TAA (Trade Adjustment Assistance) or PBGC (Pension Benefit Guaranty Corporation) assistance. You can read more about the New Hampshire Health Plan and New Hampshire health insurance at http://www.nhhealthplan.org/.

Coverage under this high risk pool health plan includes the following:

doctor visits
prescription drugs
outpatient and in-hospital care
maternity
ambulance
labs and x-rays
skilled nursing care
rehabilitation
home health visits
transplants
hospice
durable medical equipment
mental health and substance abuse
physical, speech and occupational therapy.

In New Hampshire, coverage under your group health plan cannot be denied or limited, nor can you be required to pay more because of your health status. Medical underwriting is allowed with plus or minus 25% based on age, industry, health status, and geography. Similar to New Hampshire individual health insurance, companies can review your medical history for the past three months previous to coverage and coverage can be excluded for up to nine months based on any pre-existing conditions.

The average monthly premium for group and small business health insurance in New Hampshire in 2006 was $377 for single coverage, but can depend on employer contribution and $989 for family coverage according to AHIP, The Center for Policy and Research.

http://www.ahipresearch.org/pdfs/FINALSmallGroupPaper.pdf

In New Hampshire there are some factors that determine eligibility for group and small business health insurance. They include:

- Company size 2-50 or 50+ employees

- Two employees must be present for the half of the preceding calendar quarter and work 20 hrs/week for coverage

- Owner can count as an employee

- Twice annually, self-employed persons can be a small group health plan with guarantee issue

- Proprietor-name on license must draw wages

Taken from www.coverageforall.org/

If you leave your job, you may be able to remain in your old group health plan for a certain length of time. New Hampshire offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce.

If you have low or modest household income, you may be eligible for free or subsidized health insurance coverage for yourself or members of your family. The New Hampshire Medicaid program offers free health insurance coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes.

Income requirements

Children (ages 1-5)-185% of the Federal Poverty Level
Children (Ages 6-19)-185% of the Federal Poverty Level

Pregnant Women and Infants

Pregnant Women-185% of the Federal Poverty Level
Infants (ages 0-1)-300% of the Federal Poverty Level

Non-Working Parents-48% of the Federal Poverty Level
Working Parents-60% of the Federal Poverty Level

Other populations

Medically Needy Individual- 76% of the Federal Poverty Level

Medically Needy Couple- 70% of the Federal Poverty Level

Supplemental Security Income Recipients- 76% of the Federal Poverty Level

Covered Services
Hospital outpatient, rural health clinic, federally qualified health centers, laboratory and x-ray, nursing home, physician services, dental, early periodic screening diagnosis and treatment, family planning, clinic services, prescription drugs, case management, medical transportation, nurse midwife, extended services for pregnant women, and ambulatory prenatal care.

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

You may learn more about Mew Hampshire Medicaid at http://www.dhhs.state.nh.us/DHHS/MEDICAIDPROGRAM/default.htm.

New Hampshire offers the Healthy Kids program to children up to the age of 19 who are residents of New Hampshire, U.S. citizens, refugees, or permanent residents, and whose family income is up to 400% of the Federal Poverty Level. Please visit the Healthy Kids website for more detailed information at http://www.nhhealthykids.com/.

New Hampshire Health Insurance Quotes

New Hampshire Health Insurance Companies

New Hampshire Individual Health Insurance Market

New Hampshire Group & Small Business (2-50 Employees) Health Insurance

New Hampshire COBRA Health Coverage

Medicaid in New Hampshire

Other New Hampshire Health Insurance Programs